Out of Network Coverage

If RMANJ does not participate in your health plan, you may still be eligible for coverage for a percentage of the costs of certain treatments as an out-of-network benefit through your own insurance plan. If you have a non-participating insurance company, RMANJ will require payment upfront for all services.

Payment will be expected at the time of service for all non-IVF services and 2 weeks prior to the start of your cycle for IVF.

We will submit claims on your behalf and request that insurance reimburse you directly. RMANJ accepts several forms of payment: credit card, check, cash or FFP loan programs. Most POS and PPO plans allow you the flexibility of seeking medical care out-of-network. The following is an example of an out-of-network plan.

Please note this is only an example. For information specific to your plan, please contact your insurance company.

Using the above example and applying to a typical IVF cycle, the following is an approximate cost:

Cost: $ 10,010.00*Deductible: $250.00Coinsurance: $1,793.00

The estimated insurance reimbursement to you for cycle = $7,265.00

* Estimated IVF Cycle cost does not include ICSI, Assisted Hatching, or Medications.

** Remember that your insurance company will reimburse you using their reasonable and customary rates. For example, if your insurance pays 80% for out of network services and we charge $50 but the insurance r&c rate is $40, they will reimburse you at 80% of the $40 amount, not our full fee.